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  • Blog
  • Contact
Product
  • Documentation
Legal
  • Terms of Service
  • Privacy Policy
  • Cookie Policy
dining

Here you can add a description about your company or product

© Copyright 2026 CardRewards. All Rights Reserved.

About
  • Blog
  • Contact
Product
  • Documentation
Legal
  • Terms of Service
  • Privacy Policy
  • Cookie Policy

Results from

$6,000

Scoring mode

Options

Point valuation

Booking

Rewards

Programs

Networks

Refine results

How do you usually dine?

Do you use DashPass or Uber One?

Do you use Resy for reservations?

No annual fee only?

Avoid Amex network?

Resolved as:Dining
Merchant: Rakuten Dining
Cached
77%
Not right? Try:
50 matches348ms
American Express Gold Card
1

American Express Gold Card

Amex

4x Membership Rewards on Dining
4x × 1.8¢/pt = 7.2¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 1.8¢ each ($432/yr on $6,000 spend)
  2. 2.$60/yr $120 Dining Credit
  3. 3.$50/yr $100 Resy Credit
  4. 4.$42/yr $84 Dunkin' Credit

$36 in credits offset the $325 fee

AMEX
Core Rate
7.2¢
per dollar on dining
$325/yr($36 in credits)
Annual rewards$432
+ Credits$36
\u2212 Annual fee$325
Net annual value$143

Bonus rate on first $50,000/annual, then base rate

Chase Sapphire Preferred Card
2

Chase Sapphire Preferred Card

Chase

3x Ultimate Rewards on Dining
3x × 1.8¢/pt = 5.4¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.8¢ each ($324.00/yr on $6,000 spend)
  2. 2.$60/yr Complimentary DashPass Membership
  3. 3.OpenTable Special Dining Events

$42.60 in credits offset the $95 fee

VISA
Core Rate
5.4¢
per dollar on dining
$95/yr($42.60 in credits)
Annual rewards$324.00
+ Credits$42.60
\u2212 Annual fee$95
Net annual value$271.60
Bilt Obsidian Card
3

Bilt Obsidian Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 6.0¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($360/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$10 in credits offset the $95 fee

MASTERCARD
Core Rate
6.0¢
per dollar on dining
$95/yr($10 in credits)
Annual rewards$360
+ Credits$10
\u2212 Annual fee$95
Net annual value$275
Citi Custom Cash Card
4

Citi Custom Cash Card

Citi

5% cash back on Dining

Why this card

  1. 1.5% cash back on Dining ($300/yr on $6,000 spend)
  2. 2.$30/yr DashPass Subscription
  3. 3.$30/yr Instacart+ Savings

No annual fee

Your spend ($6,000) is 100% of the $6,000 annual cap

MASTERCARD
Core Rate
5.0¢
per dollar on dining
No annual fee($18 in credits)
Annual rewards$300
+ Credits$18
Net annual value$318

Bonus rate on first $500/monthly, then base rate

Bilt Blue Card
5

Bilt Blue Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 6.0¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($360/yr on $6,000 spend)

No annual fee

MASTERCARD
Core Rate
6.0¢
per dollar on dining
No annual fee
Annual rewards$360
Net annual value$360
No image
6

Bilt Palladium Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 6.0¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($360/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$40 in credits offset the $495 fee

MASTERCARD
Core Rate
6.0¢
per dollar on dining
$495/yr($40 in credits)
Annual rewards$360
+ Credits$40
\u2212 Annual fee$495
Net annual value-$95
Chase Sapphire Reserve
7

Chase Sapphire Reserve

Chase

3x Ultimate Rewards on Dining
3x × 1.8¢/pt = 5.4¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.8¢ each ($324.00/yr on $6,000 spend)
  2. 2.$25/yr Exclusive Tables Dining Credit
  3. 3.$25/yr DoorDash DashPass & Credits

$198 in credits offset the $795 fee

VISA
Core Rate
5.4¢
per dollar on dining
$795/yr($198 in credits)
Annual rewards$324.00
+ Credits$198
\u2212 Annual fee$795
Net annual value-$273
Wells Fargo Autograph Visa Credit Card
8

Wells Fargo Autograph Visa Credit Card

Wells Fargo

3x Wells Fargo Rewards on Dining
3x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($270/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

VISA
Core Rate
4.5¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$270
+ Credits$1.60
Net annual value$271.60
American Express Green Card
9

American Express Green Card

Amex

3x Membership Rewards on Dining
3x × 1.8¢/pt = 5.4¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.8¢ each ($324.00/yr on $6,000 spend)

$18.90 in credits offset the $150 fee

AMEX
Core Rate
5.4¢
per dollar on dining
$150/yr($18.90 in credits)
Annual rewards$324.00
+ Credits$18.90
\u2212 Annual fee$150
Net annual value$192.90
Citi Strata Elite℠ Card
10

Citi Strata Elite℠ Card

Citi

3x ThankYou Points on Dining
3x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($270/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$630.50 in credits fully offsets the $595 fee

MASTERCARD
Core Rate
4.5¢
per dollar on dining
$595/yr($630.50 in credits)
Annual rewards$270
+ Credits$630.50
\u2212 Annual fee$595
Net annual value$305.50
Capital One Savor Cash Rewards Credit Card
11

Capital One Savor Cash Rewards Credit Card

Capital One

4% cash back on Dining

Why this card

  1. 1.4% cash back on Dining ($240/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings
  3. 3.Capital One Dining

No annual fee

MASTERCARD
Core Rate
4.0¢
per dollar on dining
No annual fee($71.93 in credits)
Annual rewards$240
+ Credits$71.93
Net annual value$311.93
Wells Fargo Autograph Journey Visa Credit Card
12

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

3x Wells Fargo Rewards on Dining
3x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($270/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

$1.60 in credits offset the $95 fee

VISA
Core Rate
4.5¢
per dollar on dining
$95/yr($1.60 in credits)
Annual rewards$270
+ Credits$1.60
\u2212 Annual fee$95
Net annual value$176.60
No image
13

Verizon Visa Card

Synchrony

4% cash back on Dining

Why this card

  1. 1.4% cash back on Dining ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60
U.S. Bank Altitude Go® Secured Visa® Signature
14

U.S. Bank Altitude Go® Secured Visa® Signature

Usbank

4x points on Dining

Why this card

  1. 1.4x on Dining ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60
IHG One Rewards Premier Credit Card
15

IHG One Rewards Premier Credit Card

Chase

5x Ihg One Rewards on Dining
5x × 0.6¢/pt = 3.0¢ per dollar

Why this card

  1. 1.5x on Dining — points worth 0.6¢ each ($180/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings
  3. 3.$30/yr Complimentary DashPass Membership
  4. 4.$15/yr Instacart+ Membership & Credit

$3 in credits offset the $99 fee

MASTERCARD
Core Rate
3.0¢
per dollar on dining
$99/yr($3 in credits)
Annual rewards$180
+ Credits$3
\u2212 Annual fee$99
Net annual value$84
No image
16

BMO Escape

Bmo

4x points on Dining

Why this card

  1. 1.4x on Dining ($240/yr on $6,000 spend)

$36.50 in credits offset the $150 fee

MASTERCARD
Core Rate
4.0¢
per dollar on dining
$150/yr($36.50 in credits)
Annual rewards$240
+ Credits$36.50
\u2212 Annual fee$150
Net annual value$126.50

Bonus rate on first $3,000/quarterly, then base rate

Citi Strata Premier Card
17

Citi Strata Premier Card

Citi

3x ThankYou Points on Dining
3x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($270/yr on $6,000 spend)

$10 in credits offset the $95 fee

MASTERCARD
Core Rate
4.5¢
per dollar on dining
$95/yr($10 in credits)
Annual rewards$270
+ Credits$10
\u2212 Annual fee$95
Net annual value$185
Chase Freedom Flex
18

Chase Freedom Flex

Chase

3% cash back on Dining

Why this card

  1. 1.3% cash back on Dining ($180/yr on $6,000 spend)
  2. 2.$30/yr DashPass Subscription
  3. 3.$20/yr DoorDash

No annual fee

Your spend ($6,000) is 100% of the $6,000 annual cap

Promotional rate — may be time-limited

MASTERCARD
Promotional
3.0¢
per dollar on dining
No annual fee
Annual rewards$180
Net annual value$180

Bonus rate on first $1,500/quarterly, then base rate

No image
19

Wyndham Rewards Earner Plus Card

Barclays

4x Wyndham Rewards on Dining
4x × 1.0¢/pt = 4.0¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 1.0¢ each ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

$1.60 in credits offset the $75 fee

VISA
Core Rate
4.0¢
per dollar on dining
$75/yr($1.60 in credits)
Annual rewards$240
+ Credits$1.60
\u2212 Annual fee$75
Net annual value$166.60
Williams Sonoma Key Rewards Visa
20

Williams Sonoma Key Rewards Visa

Capital One

4x points on Dining

Why this card

  1. 1.4x on Dining ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60
U.S. Bank Altitude Go Visa Signature Card
21

U.S. Bank Altitude Go Visa Signature Card

Usbank

4x Usbank Altitude Rewards on Dining
4x × 1.0¢/pt = 4.0¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 1.0¢ each ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

Your spend ($6,000) is 75% of the $8,000 annual cap

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60

Bonus rate on first $2,000/quarterly, then base rate

BMO Premium Rewards Mastercard®
22

BMO Premium Rewards Mastercard®

Bmo

4x points on Dining

Why this card

  1. 1.4x on Dining ($240/yr on $6,000 spend)

Your spend ($6,000) is 75% of the $8,000 annual cap

MASTERCARD
Core Rate
4.0¢
per dollar on dining
$95/yr
Annual rewards$240
\u2212 Annual fee$95
Net annual value$145

Bonus rate on first $2,000/quarterly, then base rate

Marriott Bonvoy Bountiful Credit Card
23

Marriott Bonvoy Bountiful Credit Card

Chase

4x Marriott Bonvoy on Dining
4x × 0.7¢/pt = 2.8¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 0.7¢ each ($168/yr on $6,000 spend)
  2. 2.$90/yr $150 Annual Dining Credit
  3. 3.$15/yr Complimentary DashPass for 12 Months
  4. 4.OpenTable Special Dining Events

$1.60 in credits offset the $250 fee

VISA
Core Rate
2.8¢
per dollar on dining
$250/yr($1.60 in credits)
Annual rewards$168
+ Credits$1.60
\u2212 Annual fee$250
Net annual value-$80.40

Bonus rate on first $15,000/annual, then base rate

No image
24

Sam’s Club World Elite Mastercard® (Plus members)

Synchrony

3x points on Dining

Why this card

  1. 1.3x on Dining ($180/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

No annual fee

MASTERCARD
Core Rate
3.0¢
per dollar on dining
No annual fee
Annual rewards$180
Net annual value$180
No image
25

One Key+ Card

Wells Fargo

3% cash back on Dining

Why this card

  1. 1.3% cash back on Dining ($180/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

No annual fee

MASTERCARD
Core Rate
3.0¢
per dollar on dining
No annual fee
Annual rewards$180
Net annual value$180
Pottery Barn Key Rewards Visa
26

Pottery Barn Key Rewards Visa

Capital One

4x points on Dining

Why this card

  1. 1.4x on Dining ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60
West Elm Key Rewards Visa
27

West Elm Key Rewards Visa

Capital One

4x points on Dining

Why this card

  1. 1.4x on Dining ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60
The Key Rewards Visa
28

The Key Rewards Visa

Capital One

4x points on Dining

Why this card

  1. 1.4x on Dining ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60
Ralphs Rewards World Elite Mastercard®
29

Ralphs Rewards World Elite Mastercard®

Usbank

3x points on Dining

Why this card

  1. 1.3x on Dining ($180/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

No annual fee

Your spend ($6,000) is 100% of the $6,000 annual cap

MASTERCARD
Core Rate
3.0¢
per dollar on dining
No annual fee($50 in credits)
Annual rewards$180
+ Credits$50
Net annual value$230

Bonus rate on first $6,000/annual, then base rate

Aeroplan® Card
30

Aeroplan® Card

Chase

3x Air Canada Aeroplan on Dining
3x × 1.0¢/pt = 3.0¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($180/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings
  3. 3.$8/yr DoorDash

$15 in credits offset the $95 fee

MASTERCARD
Core Rate
3.0¢
per dollar on dining
$95/yr($15 in credits)
Annual rewards$180
+ Credits$15
\u2212 Annual fee$95
Net annual value$100

Results from

$6,000

Scoring mode

Options

Point valuation

Booking

Rewards

Programs

Networks

Refine results

How do you usually dine?

Do you use DashPass or Uber One?

Do you use Resy for reservations?

No annual fee only?

Avoid Amex network?

Resolved as:Dining
Merchant: Rakuten Dining
Cached
77%
Not right? Try:
50 matches348ms
American Express Gold Card
1

American Express Gold Card

Amex

4x Membership Rewards on Dining
4x × 1.8¢/pt = 7.2¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 1.8¢ each ($432/yr on $6,000 spend)
  2. 2.$60/yr $120 Dining Credit
  3. 3.$50/yr $100 Resy Credit
  4. 4.$42/yr $84 Dunkin' Credit

$36 in credits offset the $325 fee

AMEX
Core Rate
7.2¢
per dollar on dining
$325/yr($36 in credits)
Annual rewards$432
+ Credits$36
\u2212 Annual fee$325
Net annual value$143

Bonus rate on first $50,000/annual, then base rate

Chase Sapphire Preferred Card
2

Chase Sapphire Preferred Card

Chase

3x Ultimate Rewards on Dining
3x × 1.8¢/pt = 5.4¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.8¢ each ($324.00/yr on $6,000 spend)
  2. 2.$60/yr Complimentary DashPass Membership
  3. 3.OpenTable Special Dining Events

$42.60 in credits offset the $95 fee

VISA
Core Rate
5.4¢
per dollar on dining
$95/yr($42.60 in credits)
Annual rewards$324.00
+ Credits$42.60
\u2212 Annual fee$95
Net annual value$271.60
Bilt Obsidian Card
3

Bilt Obsidian Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 6.0¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($360/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$10 in credits offset the $95 fee

MASTERCARD
Core Rate
6.0¢
per dollar on dining
$95/yr($10 in credits)
Annual rewards$360
+ Credits$10
\u2212 Annual fee$95
Net annual value$275
Citi Custom Cash Card
4

Citi Custom Cash Card

Citi

5% cash back on Dining

Why this card

  1. 1.5% cash back on Dining ($300/yr on $6,000 spend)
  2. 2.$30/yr DashPass Subscription
  3. 3.$30/yr Instacart+ Savings

No annual fee

Your spend ($6,000) is 100% of the $6,000 annual cap

MASTERCARD
Core Rate
5.0¢
per dollar on dining
No annual fee($18 in credits)
Annual rewards$300
+ Credits$18
Net annual value$318

Bonus rate on first $500/monthly, then base rate

Bilt Blue Card
5

Bilt Blue Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 6.0¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($360/yr on $6,000 spend)

No annual fee

MASTERCARD
Core Rate
6.0¢
per dollar on dining
No annual fee
Annual rewards$360
Net annual value$360
No image
6

Bilt Palladium Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 6.0¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($360/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$40 in credits offset the $495 fee

MASTERCARD
Core Rate
6.0¢
per dollar on dining
$495/yr($40 in credits)
Annual rewards$360
+ Credits$40
\u2212 Annual fee$495
Net annual value-$95
Chase Sapphire Reserve
7

Chase Sapphire Reserve

Chase

3x Ultimate Rewards on Dining
3x × 1.8¢/pt = 5.4¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.8¢ each ($324.00/yr on $6,000 spend)
  2. 2.$25/yr Exclusive Tables Dining Credit
  3. 3.$25/yr DoorDash DashPass & Credits

$198 in credits offset the $795 fee

VISA
Core Rate
5.4¢
per dollar on dining
$795/yr($198 in credits)
Annual rewards$324.00
+ Credits$198
\u2212 Annual fee$795
Net annual value-$273
Wells Fargo Autograph Visa Credit Card
8

Wells Fargo Autograph Visa Credit Card

Wells Fargo

3x Wells Fargo Rewards on Dining
3x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($270/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

VISA
Core Rate
4.5¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$270
+ Credits$1.60
Net annual value$271.60
American Express Green Card
9

American Express Green Card

Amex

3x Membership Rewards on Dining
3x × 1.8¢/pt = 5.4¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.8¢ each ($324.00/yr on $6,000 spend)

$18.90 in credits offset the $150 fee

AMEX
Core Rate
5.4¢
per dollar on dining
$150/yr($18.90 in credits)
Annual rewards$324.00
+ Credits$18.90
\u2212 Annual fee$150
Net annual value$192.90
Citi Strata Elite℠ Card
10

Citi Strata Elite℠ Card

Citi

3x ThankYou Points on Dining
3x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($270/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$630.50 in credits fully offsets the $595 fee

MASTERCARD
Core Rate
4.5¢
per dollar on dining
$595/yr($630.50 in credits)
Annual rewards$270
+ Credits$630.50
\u2212 Annual fee$595
Net annual value$305.50
Capital One Savor Cash Rewards Credit Card
11

Capital One Savor Cash Rewards Credit Card

Capital One

4% cash back on Dining

Why this card

  1. 1.4% cash back on Dining ($240/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings
  3. 3.Capital One Dining

No annual fee

MASTERCARD
Core Rate
4.0¢
per dollar on dining
No annual fee($71.93 in credits)
Annual rewards$240
+ Credits$71.93
Net annual value$311.93
Wells Fargo Autograph Journey Visa Credit Card
12

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

3x Wells Fargo Rewards on Dining
3x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($270/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

$1.60 in credits offset the $95 fee

VISA
Core Rate
4.5¢
per dollar on dining
$95/yr($1.60 in credits)
Annual rewards$270
+ Credits$1.60
\u2212 Annual fee$95
Net annual value$176.60
No image
13

Verizon Visa Card

Synchrony

4% cash back on Dining

Why this card

  1. 1.4% cash back on Dining ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60
U.S. Bank Altitude Go® Secured Visa® Signature
14

U.S. Bank Altitude Go® Secured Visa® Signature

Usbank

4x points on Dining

Why this card

  1. 1.4x on Dining ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60
IHG One Rewards Premier Credit Card
15

IHG One Rewards Premier Credit Card

Chase

5x Ihg One Rewards on Dining
5x × 0.6¢/pt = 3.0¢ per dollar

Why this card

  1. 1.5x on Dining — points worth 0.6¢ each ($180/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings
  3. 3.$30/yr Complimentary DashPass Membership
  4. 4.$15/yr Instacart+ Membership & Credit

$3 in credits offset the $99 fee

MASTERCARD
Core Rate
3.0¢
per dollar on dining
$99/yr($3 in credits)
Annual rewards$180
+ Credits$3
\u2212 Annual fee$99
Net annual value$84
No image
16

BMO Escape

Bmo

4x points on Dining

Why this card

  1. 1.4x on Dining ($240/yr on $6,000 spend)

$36.50 in credits offset the $150 fee

MASTERCARD
Core Rate
4.0¢
per dollar on dining
$150/yr($36.50 in credits)
Annual rewards$240
+ Credits$36.50
\u2212 Annual fee$150
Net annual value$126.50

Bonus rate on first $3,000/quarterly, then base rate

Citi Strata Premier Card
17

Citi Strata Premier Card

Citi

3x ThankYou Points on Dining
3x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($270/yr on $6,000 spend)

$10 in credits offset the $95 fee

MASTERCARD
Core Rate
4.5¢
per dollar on dining
$95/yr($10 in credits)
Annual rewards$270
+ Credits$10
\u2212 Annual fee$95
Net annual value$185
Chase Freedom Flex
18

Chase Freedom Flex

Chase

3% cash back on Dining

Why this card

  1. 1.3% cash back on Dining ($180/yr on $6,000 spend)
  2. 2.$30/yr DashPass Subscription
  3. 3.$20/yr DoorDash

No annual fee

Your spend ($6,000) is 100% of the $6,000 annual cap

Promotional rate — may be time-limited

MASTERCARD
Promotional
3.0¢
per dollar on dining
No annual fee
Annual rewards$180
Net annual value$180

Bonus rate on first $1,500/quarterly, then base rate

No image
19

Wyndham Rewards Earner Plus Card

Barclays

4x Wyndham Rewards on Dining
4x × 1.0¢/pt = 4.0¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 1.0¢ each ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

$1.60 in credits offset the $75 fee

VISA
Core Rate
4.0¢
per dollar on dining
$75/yr($1.60 in credits)
Annual rewards$240
+ Credits$1.60
\u2212 Annual fee$75
Net annual value$166.60
Williams Sonoma Key Rewards Visa
20

Williams Sonoma Key Rewards Visa

Capital One

4x points on Dining

Why this card

  1. 1.4x on Dining ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60
U.S. Bank Altitude Go Visa Signature Card
21

U.S. Bank Altitude Go Visa Signature Card

Usbank

4x Usbank Altitude Rewards on Dining
4x × 1.0¢/pt = 4.0¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 1.0¢ each ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

Your spend ($6,000) is 75% of the $8,000 annual cap

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60

Bonus rate on first $2,000/quarterly, then base rate

BMO Premium Rewards Mastercard®
22

BMO Premium Rewards Mastercard®

Bmo

4x points on Dining

Why this card

  1. 1.4x on Dining ($240/yr on $6,000 spend)

Your spend ($6,000) is 75% of the $8,000 annual cap

MASTERCARD
Core Rate
4.0¢
per dollar on dining
$95/yr
Annual rewards$240
\u2212 Annual fee$95
Net annual value$145

Bonus rate on first $2,000/quarterly, then base rate

Marriott Bonvoy Bountiful Credit Card
23

Marriott Bonvoy Bountiful Credit Card

Chase

4x Marriott Bonvoy on Dining
4x × 0.7¢/pt = 2.8¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 0.7¢ each ($168/yr on $6,000 spend)
  2. 2.$90/yr $150 Annual Dining Credit
  3. 3.$15/yr Complimentary DashPass for 12 Months
  4. 4.OpenTable Special Dining Events

$1.60 in credits offset the $250 fee

VISA
Core Rate
2.8¢
per dollar on dining
$250/yr($1.60 in credits)
Annual rewards$168
+ Credits$1.60
\u2212 Annual fee$250
Net annual value-$80.40

Bonus rate on first $15,000/annual, then base rate

No image
24

Sam’s Club World Elite Mastercard® (Plus members)

Synchrony

3x points on Dining

Why this card

  1. 1.3x on Dining ($180/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

No annual fee

MASTERCARD
Core Rate
3.0¢
per dollar on dining
No annual fee
Annual rewards$180
Net annual value$180
No image
25

One Key+ Card

Wells Fargo

3% cash back on Dining

Why this card

  1. 1.3% cash back on Dining ($180/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

No annual fee

MASTERCARD
Core Rate
3.0¢
per dollar on dining
No annual fee
Annual rewards$180
Net annual value$180
Pottery Barn Key Rewards Visa
26

Pottery Barn Key Rewards Visa

Capital One

4x points on Dining

Why this card

  1. 1.4x on Dining ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60
West Elm Key Rewards Visa
27

West Elm Key Rewards Visa

Capital One

4x points on Dining

Why this card

  1. 1.4x on Dining ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60
The Key Rewards Visa
28

The Key Rewards Visa

Capital One

4x points on Dining

Why this card

  1. 1.4x on Dining ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60
Ralphs Rewards World Elite Mastercard®
29

Ralphs Rewards World Elite Mastercard®

Usbank

3x points on Dining

Why this card

  1. 1.3x on Dining ($180/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

No annual fee

Your spend ($6,000) is 100% of the $6,000 annual cap

MASTERCARD
Core Rate
3.0¢
per dollar on dining
No annual fee($50 in credits)
Annual rewards$180
+ Credits$50
Net annual value$230

Bonus rate on first $6,000/annual, then base rate

Aeroplan® Card
30

Aeroplan® Card

Chase

3x Air Canada Aeroplan on Dining
3x × 1.0¢/pt = 3.0¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($180/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings
  3. 3.$8/yr DoorDash

$15 in credits offset the $95 fee

MASTERCARD
Core Rate
3.0¢
per dollar on dining
$95/yr($15 in credits)
Annual rewards$180
+ Credits$15
\u2212 Annual fee$95
Net annual value$100

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American Express Gold Card
1

American Express Gold Card

Amex

4x Membership Rewards on Dining
4x × 1.8¢/pt = 7.2¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 1.8¢ each ($432/yr on $6,000 spend)
  2. 2.$60/yr $120 Dining Credit
  3. 3.$50/yr $100 Resy Credit
  4. 4.$42/yr $84 Dunkin' Credit

$36 in credits offset the $325 fee

AMEX
Core Rate
7.2¢
per dollar on dining
$325/yr($36 in credits)
Annual rewards$432
+ Credits$36
\u2212 Annual fee$325
Net annual value$143

Bonus rate on first $50,000/annual, then base rate

Chase Sapphire Preferred Card
2

Chase Sapphire Preferred Card

Chase

3x Ultimate Rewards on Dining
3x × 1.8¢/pt = 5.4¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.8¢ each ($324.00/yr on $6,000 spend)
  2. 2.$60/yr Complimentary DashPass Membership
  3. 3.OpenTable Special Dining Events

$42.60 in credits offset the $95 fee

VISA
Core Rate
5.4¢
per dollar on dining
$95/yr($42.60 in credits)
Annual rewards$324.00
+ Credits$42.60
\u2212 Annual fee$95
Net annual value$271.60
Bilt Obsidian Card
3

Bilt Obsidian Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 6.0¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($360/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$10 in credits offset the $95 fee

MASTERCARD
Core Rate
6.0¢
per dollar on dining
$95/yr($10 in credits)
Annual rewards$360
+ Credits$10
\u2212 Annual fee$95
Net annual value$275
Citi Custom Cash Card
4

Citi Custom Cash Card

Citi

5% cash back on Dining

Why this card

  1. 1.5% cash back on Dining ($300/yr on $6,000 spend)
  2. 2.$30/yr DashPass Subscription
  3. 3.$30/yr Instacart+ Savings

No annual fee

Your spend ($6,000) is 100% of the $6,000 annual cap

MASTERCARD
Core Rate
5.0¢
per dollar on dining
No annual fee($18 in credits)
Annual rewards$300
+ Credits$18
Net annual value$318

Bonus rate on first $500/monthly, then base rate

Bilt Blue Card
5

Bilt Blue Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 6.0¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($360/yr on $6,000 spend)

No annual fee

MASTERCARD
Core Rate
6.0¢
per dollar on dining
No annual fee
Annual rewards$360
Net annual value$360
No image
6

Bilt Palladium Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 6.0¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($360/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$40 in credits offset the $495 fee

MASTERCARD
Core Rate
6.0¢
per dollar on dining
$495/yr($40 in credits)
Annual rewards$360
+ Credits$40
\u2212 Annual fee$495
Net annual value-$95
Chase Sapphire Reserve
7

Chase Sapphire Reserve

Chase

3x Ultimate Rewards on Dining
3x × 1.8¢/pt = 5.4¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.8¢ each ($324.00/yr on $6,000 spend)
  2. 2.$25/yr Exclusive Tables Dining Credit
  3. 3.$25/yr DoorDash DashPass & Credits

$198 in credits offset the $795 fee

VISA
Core Rate
5.4¢
per dollar on dining
$795/yr($198 in credits)
Annual rewards$324.00
+ Credits$198
\u2212 Annual fee$795
Net annual value-$273
Wells Fargo Autograph Visa Credit Card
8

Wells Fargo Autograph Visa Credit Card

Wells Fargo

3x Wells Fargo Rewards on Dining
3x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($270/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

VISA
Core Rate
4.5¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$270
+ Credits$1.60
Net annual value$271.60
American Express Green Card
9

American Express Green Card

Amex

3x Membership Rewards on Dining
3x × 1.8¢/pt = 5.4¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.8¢ each ($324.00/yr on $6,000 spend)

$18.90 in credits offset the $150 fee

AMEX
Core Rate
5.4¢
per dollar on dining
$150/yr($18.90 in credits)
Annual rewards$324.00
+ Credits$18.90
\u2212 Annual fee$150
Net annual value$192.90
Citi Strata Elite℠ Card
10

Citi Strata Elite℠ Card

Citi

3x ThankYou Points on Dining
3x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($270/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$630.50 in credits fully offsets the $595 fee

MASTERCARD
Core Rate
4.5¢
per dollar on dining
$595/yr($630.50 in credits)
Annual rewards$270
+ Credits$630.50
\u2212 Annual fee$595
Net annual value$305.50
Capital One Savor Cash Rewards Credit Card
11

Capital One Savor Cash Rewards Credit Card

Capital One

4% cash back on Dining

Why this card

  1. 1.4% cash back on Dining ($240/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings
  3. 3.Capital One Dining

No annual fee

MASTERCARD
Core Rate
4.0¢
per dollar on dining
No annual fee($71.93 in credits)
Annual rewards$240
+ Credits$71.93
Net annual value$311.93
Wells Fargo Autograph Journey Visa Credit Card
12

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

3x Wells Fargo Rewards on Dining
3x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($270/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

$1.60 in credits offset the $95 fee

VISA
Core Rate
4.5¢
per dollar on dining
$95/yr($1.60 in credits)
Annual rewards$270
+ Credits$1.60
\u2212 Annual fee$95
Net annual value$176.60
No image
13

Verizon Visa Card

Synchrony

4% cash back on Dining

Why this card

  1. 1.4% cash back on Dining ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60
U.S. Bank Altitude Go® Secured Visa® Signature
14

U.S. Bank Altitude Go® Secured Visa® Signature

Usbank

4x points on Dining

Why this card

  1. 1.4x on Dining ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60
IHG One Rewards Premier Credit Card
15

IHG One Rewards Premier Credit Card

Chase

5x Ihg One Rewards on Dining
5x × 0.6¢/pt = 3.0¢ per dollar

Why this card

  1. 1.5x on Dining — points worth 0.6¢ each ($180/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings
  3. 3.$30/yr Complimentary DashPass Membership
  4. 4.$15/yr Instacart+ Membership & Credit

$3 in credits offset the $99 fee

MASTERCARD
Core Rate
3.0¢
per dollar on dining
$99/yr($3 in credits)
Annual rewards$180
+ Credits$3
\u2212 Annual fee$99
Net annual value$84
No image
16

BMO Escape

Bmo

4x points on Dining

Why this card

  1. 1.4x on Dining ($240/yr on $6,000 spend)

$36.50 in credits offset the $150 fee

MASTERCARD
Core Rate
4.0¢
per dollar on dining
$150/yr($36.50 in credits)
Annual rewards$240
+ Credits$36.50
\u2212 Annual fee$150
Net annual value$126.50

Bonus rate on first $3,000/quarterly, then base rate

Citi Strata Premier Card
17

Citi Strata Premier Card

Citi

3x ThankYou Points on Dining
3x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($270/yr on $6,000 spend)

$10 in credits offset the $95 fee

MASTERCARD
Core Rate
4.5¢
per dollar on dining
$95/yr($10 in credits)
Annual rewards$270
+ Credits$10
\u2212 Annual fee$95
Net annual value$185
Chase Freedom Flex
18

Chase Freedom Flex

Chase

3% cash back on Dining

Why this card

  1. 1.3% cash back on Dining ($180/yr on $6,000 spend)
  2. 2.$30/yr DashPass Subscription
  3. 3.$20/yr DoorDash

No annual fee

Your spend ($6,000) is 100% of the $6,000 annual cap

Promotional rate — may be time-limited

MASTERCARD
Promotional
3.0¢
per dollar on dining
No annual fee
Annual rewards$180
Net annual value$180

Bonus rate on first $1,500/quarterly, then base rate

No image
19

Wyndham Rewards Earner Plus Card

Barclays

4x Wyndham Rewards on Dining
4x × 1.0¢/pt = 4.0¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 1.0¢ each ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

$1.60 in credits offset the $75 fee

VISA
Core Rate
4.0¢
per dollar on dining
$75/yr($1.60 in credits)
Annual rewards$240
+ Credits$1.60
\u2212 Annual fee$75
Net annual value$166.60
Williams Sonoma Key Rewards Visa
20

Williams Sonoma Key Rewards Visa

Capital One

4x points on Dining

Why this card

  1. 1.4x on Dining ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60
U.S. Bank Altitude Go Visa Signature Card
21

U.S. Bank Altitude Go Visa Signature Card

Usbank

4x Usbank Altitude Rewards on Dining
4x × 1.0¢/pt = 4.0¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 1.0¢ each ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

Your spend ($6,000) is 75% of the $8,000 annual cap

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60

Bonus rate on first $2,000/quarterly, then base rate

BMO Premium Rewards Mastercard®
22

BMO Premium Rewards Mastercard®

Bmo

4x points on Dining

Why this card

  1. 1.4x on Dining ($240/yr on $6,000 spend)

Your spend ($6,000) is 75% of the $8,000 annual cap

MASTERCARD
Core Rate
4.0¢
per dollar on dining
$95/yr
Annual rewards$240
\u2212 Annual fee$95
Net annual value$145

Bonus rate on first $2,000/quarterly, then base rate

Marriott Bonvoy Bountiful Credit Card
23

Marriott Bonvoy Bountiful Credit Card

Chase

4x Marriott Bonvoy on Dining
4x × 0.7¢/pt = 2.8¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 0.7¢ each ($168/yr on $6,000 spend)
  2. 2.$90/yr $150 Annual Dining Credit
  3. 3.$15/yr Complimentary DashPass for 12 Months
  4. 4.OpenTable Special Dining Events

$1.60 in credits offset the $250 fee

VISA
Core Rate
2.8¢
per dollar on dining
$250/yr($1.60 in credits)
Annual rewards$168
+ Credits$1.60
\u2212 Annual fee$250
Net annual value-$80.40

Bonus rate on first $15,000/annual, then base rate

No image
24

Sam’s Club World Elite Mastercard® (Plus members)

Synchrony

3x points on Dining

Why this card

  1. 1.3x on Dining ($180/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

No annual fee

MASTERCARD
Core Rate
3.0¢
per dollar on dining
No annual fee
Annual rewards$180
Net annual value$180
No image
25

One Key+ Card

Wells Fargo

3% cash back on Dining

Why this card

  1. 1.3% cash back on Dining ($180/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

No annual fee

MASTERCARD
Core Rate
3.0¢
per dollar on dining
No annual fee
Annual rewards$180
Net annual value$180
Pottery Barn Key Rewards Visa
26

Pottery Barn Key Rewards Visa

Capital One

4x points on Dining

Why this card

  1. 1.4x on Dining ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60
West Elm Key Rewards Visa
27

West Elm Key Rewards Visa

Capital One

4x points on Dining

Why this card

  1. 1.4x on Dining ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60
The Key Rewards Visa
28

The Key Rewards Visa

Capital One

4x points on Dining

Why this card

  1. 1.4x on Dining ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60
Ralphs Rewards World Elite Mastercard®
29

Ralphs Rewards World Elite Mastercard®

Usbank

3x points on Dining

Why this card

  1. 1.3x on Dining ($180/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

No annual fee

Your spend ($6,000) is 100% of the $6,000 annual cap

MASTERCARD
Core Rate
3.0¢
per dollar on dining
No annual fee($50 in credits)
Annual rewards$180
+ Credits$50
Net annual value$230

Bonus rate on first $6,000/annual, then base rate

Aeroplan® Card
30

Aeroplan® Card

Chase

3x Air Canada Aeroplan on Dining
3x × 1.0¢/pt = 3.0¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($180/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings
  3. 3.$8/yr DoorDash

$15 in credits offset the $95 fee

MASTERCARD
Core Rate
3.0¢
per dollar on dining
$95/yr($15 in credits)
Annual rewards$180
+ Credits$15
\u2212 Annual fee$95
Net annual value$100